Ziraat Times News Desk
Srinagar: Jammu and Kashmir Bank has revised and renewed its Group Personal Accidental Insurance (GPAI) scheme for permanent employees of the Union Territories of Jammu & Kashmir and Ladakh. Notably, the revised scheme now includes a ₹50 lakh insurance cover for deaths in air accidents, a feature effective from June 7, 2025.
The enhanced coverage will be valid for a period of one year — from June 7, 2025, to June 6, 2026 — and applies to permanent employees working in Corporations, PSUs, Autonomous Bodies, Local Bodies, Universities, and Police Personnel/SPOs of both UTs, provided their salary accounts are maintained with J&K Bank.
Key Features of the Revised GPAI Scheme:
Type of Coverage |
Amount Covered |
|---|---|
Accidental Death (GPAI) |
₹25 Lakhs |
Death in Air Accident |
₹50 Lakhs |
Permanent Total Disability |
₹10 Lakhs |
Permanent Partial Disability |
₹5 Lakhs |
The coverages under serial numbers 2, 3, and 4 have been newly introduced as part of this revision.
Eligibility Criteria:
-
The employee must be a permanent government employee of J&K or Ladakh, including in public sector and autonomous institutions.
-
The salary account must be held with J&K Bank.
-
Eligible age range is 18 to 60 years, or up to the maximum superannuation age as per service rules.
-
Employees with salary accounts in other banks are not eligible under the policy. However, they can qualify by opening and maintaining a salary account with J&K Bank during the policy period.
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